Rates - Hang Seng Bank Limited

Rates

Find out the latest rates and prices on a variety of products offered through Hang Seng

1. Personal
2. Rates

From 12 Dec 2025, we have adjusted USD savings rate for account balance of USD1,000 or above to 0.001% p.a.

Capture potential returns with our FX Investment Products. Subscribe online for extra 2% p.a. interest & chance to win gold plate. View offers

Investment involves risks. Click above for offer T&C and full risk disclosure. Explore now

What kind of rates are you looking for?

Foreign Exchange Rates (FX) Gold Prices HIBOR Prime Rates Deposit Interest Rates

Latest rates overview

Foreign Exchange Rates (FX)

T/T Exchange Rates As at HKT Bank buy Bank sell Log on to exchange1

Log on to exchange

Log on via mobile app Log on via web browser We recommend using a computer web browser or Hang Seng Mobile App to log on for enhanced security. Please visit "Security Information Centre" for more security tips. View all FX rates

Gold Prices

As at HKT Bank buy Bank sell Log on to exchange2 View all gold prices

Hong Kong Interbank Offered Rate (HIBOR)

As at HKT View HIBOR details Learn more about Mortgage

Prime Rates

HKD Prime Rate As at HKT View prime rates details Learn more about Mortgage Unsecured overdraft facility

Prime Rates

USD Prime Rate Effective on 12/12/2025 HKT 6.625% p.a.

Prime Rates

RMB Prime Rate Effective on 20/06/2025 HKT 5.40% p.a.

Tools and calculators

Deposit Interest Rates

FX Rate

Gold Price

Deposit Interest Rates

Time deposit rate calculator

I am looking for the deposit interest rates of Deposit tenor Deposit amount Result As at HKT Deposit Interest Rate - 0 % p.a. Interest at Maturity - 0 Principal and Interest at Maturity - 0 Place a deposit

Place a deposit

Log on via mobile app Log on via web browser We recommend using a computer web browser or Hang Seng Mobile App to log on for enhanced security. Please visit "Security Information Centre" for more security tips. View all deposit interest rates

FX Rate

Foreign currency calculator

Currency I want to From HKD To HKD = As at HKT Log on to exchange1

Log on to exchange

Log on via mobile app Log on via web browser We recommend using a computer web browser or Hang Seng Mobile App to log on for enhanced security. Please visit "Security Information Centre" for more security tips. View all FX rates

Gold Price

Gold price calculator

Gold products I want to From HKD To HKD = As at HKT Log on to exchange2 View all gold prices

Explore our products

MaxiInterest Investment Deposit

• Enjoy potential interest return
• May exchange up to 10 different linked currencies at pre-defined exchange rate upon maturity
• Invest online with just HKD5,000

View details This is a structured product involving derivatives. The maximum potential gain is limited to the pre-agreed interest rate. Investment involves risks. Price of FX exchange may go up or down. You should read and understand all the relevant product documents/service terms and conditions and risk disclosure statements before making any investment decision.

FX & Precious Metal Margin Trading Services

• Trade at a leverage ratio up to 15 times
• Buy / sell amid market ups & downs with trading spread as low as 6 basis points for online trading

View details Investment involves risks. The risk of loss in leveraged foreign exchange and precious metal trading can be substantial. You may sustain losses in excess of your initial margin funds. You should carefully consider whether FX and precious metal margin trading is suitable for you in light of your own financial position and investment objectives. You should read and understand all the relevant product documents/service terms and conditions and risk disclosure statements before making any investment decision.

Capital Protected Investment (CPI) Deposit

• 100% capital protection at maturity
• A chance to enjoy a higher potential return
• Invest online with just HKD5,000

View details This is a structured product involving derivatives. The maximum potential gain is limited to the pre-agreed interest rate. Investment involves risks. Price of FX exchange may go up or down. You should read and understand all the relevant product documents/service terms and conditions and risk disclosure statements before making any investment decision.

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Footnote

Remarks

1. Not applicable to Singapore Dollar
2. Applicable to Statement Gold / Paper Gold Grain.